Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$112,766Cash toward the purchase price.
Closing costs + prepaids$9,797Not just lender fees.
Before credits & paid funds$122,564The complete starting cash picture.
Estimated remaining funds due at closing
$122,564No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,766.36
Your down payment$112,766.36
Closing costs + prepaids$9,797.37
Total buyer cash needed$122,563.73
Remaining funds due$122,563.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,790.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$237.00
Initial HOA (3 months)$171.00
Prepaid interest, first (30 days)$374.37
Fees + prepaids$9,797.37
Your down payment is the seller’s equity. You take over the $166,234 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $122,563.73 is due at closing. Uses and sources reconcile at $288,797.37 each. Not a Closing Disclosure.